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2024 data HMDA 2024 disclosure official source

Washakie County

223 mortgage applications, 10.3% denial rate. Verify FIPS 56043 with U.S. Census Bureau →

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Wyoming · FIPS 56043

Local mortgage market. Washakie County, Wyoming saw 223 HMDA-reported mortgage applications in 2024. Lenders originated 116 of those loans and denied 23, producing a denial rate of 10.3% and an approval (origination) rate of 52.0%. The average loan amount was $207,287 at an average note rate of 6.81%, with applicants self-reporting average annual income of $38K. 40 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.5x, meaning typical borrowers took on mortgages of about 5.5 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 56043 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

223
Applications
116
Originated
10.3%
Denial Rate
52.0%
Approval Rate
$207,287
Avg Loan Amount
6.81%
Avg Interest Rate
$38K
Avg Applicant Income
5.5x
Loan-to-Income Ratio

Nearby Lenders in Washakie County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Pinnacle Bank - Wyoming 23 19.8%
2 Rocket Mortgage 18 15.5%
3 ANB Bank 11 9.5%
4 Cmg Mortgage INC 9 7.8%
5 United Wholesale Mortgage 5 4.3%
Compare Pinnacle Bank - Wyoming vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Washakie County?
In the 2024 HMDA reporting year, 223 mortgage applications were filed in Washakie County, Wyoming. Of these, 116 were originated (approved and funded), while 23 were denied, resulting in a denial rate of 10.3%.
What is the mortgage denial rate in Washakie County?
The mortgage denial rate in Washakie County is 10.3%. The approval (origination) rate is 52.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Washakie County?
The average mortgage loan amount in Washakie County is $207,287. The average interest rate is 6.811%. The average applicant income is $38K.
What is the loan-to-income ratio in Washakie County?
The average loan-to-income ratio in Washakie County is 5.5x, meaning borrowers took on loans averaging 5.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Washakie County?
The top mortgage lenders in Washakie County by origination volume are Pinnacle Bank - Wyoming, Rocket Mortgage, ANB Bank. In total, 40 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.